408 Earl Rd, Sadler, TX 76264 Property Records

Grayson County property record for 408 Earl Rd, Sadler, TX 76264

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,728 sqft · built 1960
Lot Size	10.7 acres (467,355 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,888 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082 026200503`

Property Details

APN / Parcel Number

Primary APN	`082 026200503`
Alternative APN	`113999`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,728 sqft Living Area
1st Floor Area	1,728 sqft
Upper Floors Area	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1995
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	467,355 sqft (10.7 acres)
Garage Type	Carport
Garage Area	600 sqft
Carport	Carport
Carport Area	600 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	760 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	408 EARL RD
City	SADLER
State	TX
Zip	76264-3147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	G-0262 CARMENA SERARIO A-G0262, ACRES 10.729
Legal Subdivision	CARMENA SERARIO A-G0262
Jurisdiction	GRAYSON TX
Township / Civil Division	NORTHWEST GRAYSON
Census Block Group	2
Census Block	2058
Census Tract	304

Owner

408 Earl Rd is owned by two individuals who acquired it in November 2024.

Source: Grayson County records, as of August 11, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1700 CARMEL DR, PLANO, TX 75075-7303
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Vendor's Lien, Transfer · Conventional Mortgage WATERMARK CAPITAL INC
Oct 11, 2018	Warranty Deed, Transfer RED RIVER TITLE INC
Sep 26, 2018	Deed of Trust, Mortgage NTFN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2024
Deed Sale	Nov 6, 2024
Prior Sale	Aug 24, 2020 · Amount on File
Deed Document Number	202430513
Prior Transfer Date	Aug 21, 2020
Prior Transfer Doc	0000022220
Record Updated	Sep 20, 2026

August 2020: Vendor's Lien, Transfer

Document Type	Vendor's Lien
Jurisdiction	GRAYSON TX
Recording Date	Aug 24, 2020
Property Address	408 EARL RD, SADLER, TX 76264-3147
Document Number	0000022220
Instrument Date	Aug 21, 2020
Instrument	2020-00022220
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	RED RIVER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	286 EARL RD, 286, SADLER, TX 76264-3135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 EARL RD, SADLER, TX 76264-3147

Mortgage

Document Number	0000022221
Date	Aug 24, 2020
Instrument	2020-00022221

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON TX
Recording Date	Oct 11, 2018
Property Address	408 EARL RD, SADLER, TX 76264-3147
Document Number	0000023130
Instrument Date	Oct 11, 2018
Instrument	23130
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	RED RIVER TITLE INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 EARL RD SADLER TX 762643147, SADLER, TX 76264-3147

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON TX
Property Address	408 EARL RD, SADLER, TX 76264-3147
Document Number	0000022333
Instrument Date	Sep 26, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018
Title Company	RED RIVER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	408 EARL RD SADLER TX 762643147, SADLER, TX 76264-3147

Mortgage

Document Number	0000022333
Date	Oct 1, 2018
Instrument	22333

Lender

Name	NTFN
Address	LEWISVILLE, TX 75067

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2048

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of August 11, 2025

Property Jurisdictions

Type	Name
State	Texas
County	Grayson County
Unified School District	S and S Consolidated Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$184,803 Land $18,390 Building $166,413	$454,126 Land $287,713 Building $166,413
2024	$1,888.00
2023		$185,631 Land $20,153 Building $165,478	$479,286 Land $313,808 Building $165,478
2022	$2,336.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 408 Earl Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective October 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	9 (1990–2025)
Claims Outside the SFHA	4 of 9
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2015 · 2 claims Severe Storms, Tornadoes, And Flooding, Jul 2007 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 408 Earl Rd is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 58% of Texas
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TWO WAY SUD serves 6,804 people · EPA ID TX0910022
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	23 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ElektraFi Fixed Wireless	400 / 60
Rise Broadband Fixed Wireless	300 / 60

May also be available: Nextlink, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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